My Double Care ฿15M
Our popular middle tier — generous as-charged coverage and a doubling safety net, balanced for people who want long-term peace of mind without going to the very top.
Well-suited to expats who plan to stay in Thailand for years and want room-to-grow coverage. The sweet spot for anyone who finds the entry tier a little tight but doesn't need flagship limits.
Benefits
- ฿15M annual limit that automatically doubles to ฿30M on first diagnosis of a major critical illness
- As-charged in-patient care: room & board, ICU, surgery, specialists, cancer and dialysis
- Use any hospital in Thailand — full freedom to choose where you're treated
- Direct billing at 226+ hospitals to skip large upfront payments
- Available for new applicants aged 11–70, renewable to high ages
- Optional OPD add-on for everyday out-patient visits
Things to know
- Requires the main My Whole Life A99/20 (with dividend) contract at the minimum coverage for your age — which also builds some cash value over time
- OPD (out-patient) cover is an optional add-on rather than standard
- Premiums sit above the entry tier, reflecting the higher annual limit
- For very high-cost or international treatment, the First Class Ultra tiers offer larger limits worth weighing up
How to plan better
- Pick this tier for a long-term home-base plan — it's the popular middle ground for a reason
- Add OPD if clinic visits are a regular part of your life
- Buy younger to secure a lower age band before premiums step up
- Explore deductible options to trim the premium while keeping the higher limit
Real rates by age
Indicative all-in annual premium (this plan + the minimum required main contract). Your exact figure depends on health declaration and options.
| Age | Male · all-in / yr | Female · all-in / yr |
|---|---|---|
| 20 | ฿33,934 | ฿37,094 |
| 25 | ฿34,432 | ฿38,222 |
| 30 | ฿35,041 | ฿40,072 |
| 35 | ฿38,265 | ฿44,695 |
| 40 | ฿38,563 | ฿48,117 |
| 45 | ฿41,771 | ฿51,292 |
| 50 | ฿51,367 | ฿60,017 |
| 55 | ฿63,696 | ฿66,295 |
| 60 | ฿78,924 | ฿77,130 |
| 65 | ฿111,851 | ฿98,765 |
| 70 | ฿152,192 | ฿138,988 |
All-in annual premium = this health plan + the minimum required Whole Life A99/20 main contract, for a standard-occupation healthy applicant. Excludes optional OPD and other riders. Final premium confirmed after underwriting. WhatsApp us for your exact figure.
A lot to take in? Just ask us.
You don't have to decide alone. Tell us about you and we'll walk you through whether Double Care ฿15M is the right fit — on whichever channel you prefer.